Can fix the water damage in the basement yourself.

Hopefully, you find it helpful and qualifies us to assist you with your goals:)---------------------------------------------------------------------------------------------------Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

I am writing to explore rental opportunities for a recently renovated property that has been 90% restored following fire damage.

That's not the same as paying cash.According to a different post, your credit card debt costs you $600/month.

I used the background and credit checks offered through Cozy. 

Other lease provisions may apply as well, such as prohibition against causing the LL to incur fines and damages.

Quote from @Raymond Kalonji: In your opinion, what would be a reasonable minimum credit score?

I ask to take a walk through and document the current condition as my agreement states they can not damage the property during this process. and of course don't give them anything until you have walked through verified they are out and have voluntarily handed over keys. 

I don't know if credit unions can ever do this stuff?

Great Lakes Credit Union HSBC 70%, for premier clients only Huntington 75% LTV Hurst Lending and Insurance Investment property HELOC in Texas.